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Earthquake Insurance Coverage Options
California is one of the most sought after places to live. With warm temperatures all year long, and plenty of sunshine to enjoy the miles of beaches, there are many benefits that are associated with living in California. However, living in California also comes with the chance of experiencing an earthquake. Knowing how to protect your home and assets when the ground starts to move can help to keep you safe.
While your homeowner’s insurance policy will provide coverage for many situations, it will not provide any coverage during an earthquake. Only a specific earthquake insurance policy will provide protection. Typical earthquake insurance policies will provide coverage for both earthquakes, as well as any other earth movement, which can include sinkholes, mudslides, and mudflows. Keep in mind that every policy is different, so make sure to talk with your insurance agent before assuming that you are covered from any peril.
Earthquake insurance policies will provide two main types of coverage. The first type of coverage will provide protection from any damage that is done to the structure of your home during a quake. The second type of coverage will provide protection for your belongings. The more coverage you invest in, the better protected your home and assets will be. There are some exemptions that are included in an earthquake policy, including water damage, vehicles that are damaged, and fire damage that happens as a result of an earthquake.
Since there is no way to predict when an earthquake is coming, the sooner you invest in a policy, the sooner you can rest assured knowing that you are protected when the next big earthquake hits.
Contact the insurance professionals at Cook, Disharoon & Greathouse in Oakland, California for all of your earthquake insurance coverage needs. We will work with you to ensure that you have the protection that you deserve, all at the right price to fit your budget.
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